Salary Accounts

Bank Accounts in the UAE

As the name suggests, salary accounts are designed to disburse monthly salaries directly to employees. These accounts ensure convenience for employees and offer benefits like zero balance requirements and additional perks.

From benefits of salary accounts to the process, this article offers a concise yet comprehensive overview of salary accounts in the UAE.

Features & Benefits of Best Salary Accounts

While each bank may provide exclusive benefits at their own discretion, here are some of the general benefits for employees to enjoy:

  • Debit Card: Every salary account in the UAE comes with a debit card that can be used both locally and internationally.
  • Cheque Book: Salary account holders usually get a cheque book for free with the Salary Transfer account.
  • Minimum Balance Requirement: There's generally no need to maintain a minimum monthly balance with the salary transfer account.
  • SMS Alerts: Receive instant SMS alerts for any activity in your account.
  • Enjoy free banking services: through Online Banking and Mobile Banking.
  • Bill Payments: Use your salary account to conveniently pay utility bills and more.
  • E-Statements: E-statements are usually provided free of charge with the Salary account.
  • Loan Offers: As a Salary Account holder, you have easy access to loan applications with the bank.
  • Prompt Assistance: The customer support team is available round-the-clock to assist you.

Top Salary Accounts in the UAE

Here’s our research-backed top salary accounts in the UAE list for 2024:


Minimum Salary Requirements

Fees & Charges

ADIB Ghina Salary Account

AED 8000

Monthly min. balance fee: AED 0

Emirates Islamic Bank Current Account

AED 5000

Monthly min. Balance fee: AED 25

Standard Chartered SC Salary Suite For Employees

AED 5000

Monthly min. balance fee: AED 0

HSBC Personal Banking Account

AED 5000

Monthly min. balance fee: AED 0

RAKBANK RAK Salary Transfer Account

AED 5000

Monthly min. balance fee: AED 0

Eligibility Criteria to Open a Salary Account

To open a Salary Account in the UAE, you need to meet the following criteria:

  • You must be employed and receive a regular salary.
  • You must be a citizen or resident of the UAE.
  • You need to be at least 21 years of age.

Documents Required for Salary Account Opening in the UAE

Here are the few general set of documents required to open a salary account in the UAE:

  • Passport Copy
  • Identity Proof
  • Visa
  • Salary Transfer Letter
  • Salary Certificate
  • Pay Slip 
  • Print out of MOL or Labour Certificate, or Offer Letter

How to Open a Bank Account in UAE via Policybazaar UAE

With, you can seamlessly open a bank account online in a few easy steps: 

  • Visit and click on the ‘Banking Products’ drop-down
  • Select ‘Open Bank Accounts’
  • Fill out the lead form with accurate details
  • Once directed to the quotes page, go through the list of available accounts
  • Select the most suitable one and submit your request by filling in the form

One of our experts will then get in touch with you to guide you further


Frequently Asked Questions on Salary Account in UAE

Q: Can an expat open a Salary Account in the UAE?

Yes, an expat can open a Salary Account in the UAE. However, he or she will have to be a resident of the UAE.

Q: What is the minimum salary requirement to open a salary transfer account in the UAE?

The minimum salary requirements differ for every bank. However, most banks require a minimum salary of AED 5000 to open a salary account in the UAE.

Q: Is it necessary to be an existing customer with the Bank to open a Salary Account in the UAE?

No. It is not necessary to be an existing customer of the bank to open a Salary Account in the UAE.

Q: Do I have to maintain the monthly balance in the account with the Salary Account in the UAE?

That would depend on the bank you have the Salary Account with. Some banks require a monthly balance to be maintained while some banks don’t.

Q: Can I open a salary account without income?

No, typically a salary account requires regular income from employment.

Q: What happens if you open a salary account and don't use it?

If a salary account remains inactive for a certain period, it may be converted into a regular savings account by the bank.

Reviews & Ratings

4.6 / 5 (based on   18147 google icon reviews)

More From Bank Accounts